Bank Stocks: Next Big Thing?

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Q) Is it the Best Time to Invest in Bank Stocks?

In this video, we’ll discuss the recent 50 basis points interest rate cut by the US Federal Reserve on September 18, 2024, and how it impacted the Indian stock market, especially banking stocks like HDFC, ICICI, and Kotak Mahindra.

We'll explore whether this is the right time to invest in bank stocks, given their underperformance over the past year. We'll break down the reasons behind their struggle, including reduced loan demand, rising deposit rates, and falling net interest margins.

Lastly, we’ll look at which banks and sectors are best positioned to benefit from future rate cuts and how NBFCs, like Bajaj Finance, could emerge as big winners in this scenario.

[thesaimonkabir]

I just literally hate kotak Neo add everywhere, everytime....😠😠😠

[reviewanything-byanurag]

But in case of floating rate they charge spread so ultimately they end charging same ROI irrespective of reduction of rate.

[econifywithanubhav]

My take on all this: Keep cash handy and wait with patience. Market is too volatile and any trading might end up burning up that reserve. So better to sit out of this madness and as the Madagascar penguins say 'Just smile and wave' at the market. Once the dust settles and some semblance of stability is seen, put that money in good stocks that have taken a beating. Over the years, that should give you better returns than trying to time banking stocks in expectation of RBI MPC decisions.

[meghnath]

Hello sir!, how can i check this data in personaly!

[harshrajpal]

All those fixed loans will be transferred to other banks on new rate and new terms

Loans are transferrable and customers are well aware to take advantage

[Spike]

Hmmm agar mere buying ke baad israel ne Iraq pe attack kiya toh ww3 chalu aur banking stocks will be on their all time low

[karanzaveri]

Ppl get their loans re finance from other banks when they see interest rates are cheaper their. I don't think fixed rate loan banks are having a big advantage over other banks. The rate cut should positively affect all banks.

[Fin-Nikhil]

Another side of this video @Prasad :

Planning to take a loan: Focus on banks who are giving loans at floating int. rates at this time.

What do you think?

[saumitamukherjee]

Even if a bank has given loan in fixed rate, takeover is very much possible, which may result in reduction in number of borrowers from that particular bank/renewed loans at lower rates. NBFCs will play a major role as takeovers happen less over there. Loan market of banks has cut throat competition, there will be very little respite there

[rakeshkakkar]

considering to buy indusind at 1340 for long term

[vishwesh]

Which banks are good to invest then, please

[thisispriyanshuraj]

Sir, One detailed Video on Small finance banks PLEASE

[DhananjayMistry]

Thanks for the clarification, I was on right calculation path but was stuck with the interest rates funda. Keep doing the work and help others to benefit with your work.

[syedsekandarali]

Bank employees too are human being and they have right to lunch as well in time like we people

[shivajipatole]

Could I invest in SBI, RBL BANK, Bandhan bank stock s, please guide me.

[rajiv]

Pls clarify ujjivan sfb nim is 9.3, other financials are also good, but why it's falling down??

[Samanad]

Canara bank and union bank best shares to buy

[sumanashakya]

Where we can find floated or fixed interested rate has given by bank?

[aloneyprarabdha]

"The Complete Fundamental Analysis Course in Hindi 1 '' course was free for lifetime as you mentioned in your preivous videos however now you seems to charge for renewal. This doesnt seems right in anyway. In first place only you could have said it has validity. Mailing 2 days before for renewal doesnt make sense Prasad.

[PAWANKUMAR-holh]

I have recently bought Indusind bank and i am very bullish on it....